Niche Industries

We Specialize in You.

From construction companies to technology consultants and everything in between, we have a policy that is the perfect fit for you. Our staff can coordinate all of your insurance coverage to be certain that your family, your business, and your employees have peace of mind.

Business Insurance for Specialty Industries

Specialty industries require special care when it comes to preventing the business from suffering losses that occur through employee accidents or property damage. At Soden Insurance, we have a team of agents who understand the importance of getting the best auto insurance quotes for trucking and construction companies that they need to protect their property. We also strive to coordinate insurance coverage for a variety of specialty fields of business such as real estate, health clubs, emergency services, and janitorial companies that require careful planning to ensure that all potential risks are analyzed.


Insurance that Works for your Business

When you work with our agents, they help you find the right types of insurance that matter to you. We have helped a variety of professionals, from professional liability insurance NJ doctors to beauticians and lawyers. We aided them in protecting themselves from potential financial damages that could occur if their actions are found to cause harm to others. Our insurance specialties services do not end with just giving you access to reputable companies that fit your needs. We also provide specialized loss control services and help you through the claims process to make sure that you find a successful resolution when problems arise. Our team is also available around the clock to answer your questions and help you get the most out of your specialty insurance services.


Industry Coverages

Construction

Cyber Liability

Fitness Centers

Janitorial

Manufacturers

Non-Profits

The Soden Agency has worked with Fire Departments and First Aid Squads throughout NJ for the past 80 years. Our specialists know the needs of your organization because they have been in your shoes. Our staff includes current and former rescuers.

    • Automobile
    • Property
    • Portable Equipment
    • General Liability
    • Management Liability
    • Umbrella Liability
    • Workers’ Compensation
    • Accident & Sickness
    • Group Term Life Insurance
    • Group Long Term Disability

Most insurance programs for forklift and contractors equipment dealers in NJ are rigid, cookie cutter programs designed for the general needs of the average equipment dealer, whether you’re selling excavators or scissor lifts; but what is the average equipment dealer?  Do you provide mobile repair services? Are your employees union or non-union? Is leasing equipment a big part of your business, or incidental? These are all important questions that can change your needs and our recommended solutions drastically.

At the Soden agency, we don’t try to fit a square peg in a round hole.  We build your program from the ground-up. We investigate your specific needs and provide you with what you need – no more, no less.  We think outside of the box to find solutions and we don’t limit you to one specific insurance company.

Our agency also understands that your needs as an equipment dealer may change as your business changes and grows. This is why we offer annual reviews of your current coverage to identify areas where you may need to alter your policies to reflect these changes. We also offer non-insurance solutions such as risk management consulting, OSHA training and Experience Mod Services – often at no additional cost to you.

Fleet insurance refers to coverage for five or more of your business’s vehicles. Primarily these types of insurance plans are used by police departments, public utilities, car rental companies, and more. Coverage for the fleet is an important component of business insurance NJ companies need in order to be protected in the event of an accident or natural disaster. At Soden Insurance Agency, we provide a variety of services that make it easier to select the right kind of coverage for your fleet.

When you are looking for auto insurance quotes, NJ insurance companies consider multiple factors, such as the size of your fleet. The size of the fleet can allow for flexible and affordable pricing that will not break the bank. Our customer service team will help you understand the requirements for multiple vehicle insurance and make sure that your fleet is covered with the appropriate amount of liability coverage. We also help you identify specific risks within your company procedures or industry so that you can implement strategies to prevent potential damages. Often, implementing strategies, such as employee training or security measures, helps you save even more on your fleet insurance.

Our agency also understands that your fleet insurance needs may change as your business grows or consolidates property. This is why we offer annual reviews of your current coverage to identify areas where you may need to alter your policies to reflect these changes. Whether you need to add a new vehicle to the plan or adjust your coverage to cover a growing staff, partnering with our team helps you protect one of your most valuable company assets.

We provide solutions to help you navigate and understand the risks involved, especially when you are investing in an unfamiliar industry. By identifying and applying our risk management process to the varied potential risk challenges in your M&A transaction, Soden helps enable you to submit bids with confidence and peace of mind.

Our solutions include:

    • Mergers and acquisitions risk and insurance due diligence
    • Coverage adequacy, quality and gap identification
    • Asset Portfolio strategies for cost savings
    • Review of financial impact of the cost of insurance risk, pre and post-closing
    • Transactional Insurance  including Representations and Warranties (R&W)/Warranty and Indemnity, Litigation and  Tax Insurance
    • Directors & Officers (D&O), Management and professional liability solutions
    • Claims and loss control analysis
    • Human Capital Diligence
    • Cyber Diligence
    • Environmental Risk Evaluation

Consumers may be injured by how a product is designed, manufactured, marketed or even misused. Even if your product is misused, your business can still be liable for any resulting damages. Product liability protects businesses from the fallout which may occur in the event that a product causes bodily injury or other damage to third parties. When something goes wrong with your product, both customers and juries will expect you to make things right.  This is why is vital that your insurance program responds appropriately during such critical times.

At the Soden agency, we don’t try to fit a square peg in a round hole.  We build your policies and program from the ground-up. We investigate and get to know your business and your products so that we provide you with what you need – no more, no less.  We think outside of the box to find solutions and we don’t limit you to one specific insurance company program.

Our agency also understands that your product liability needs may change as your business changes and grows. This is why we offer annual reviews of your current coverage to identify areas where you may need to alter your policies to reflect these changes. We also offer a full range of other insurance policy needs, as well as non-insurance solutions such as risk management consulting, OSHA training and Experience Mod Services – often at no additional cost to you.

Protect your real estate with our flexible insurance options.

    • Industrial Complexes
    • Apartment Buildings
    • Office Parks and Buildings
    • Condominium Associations
    • Self-Storage Facilities

The craft brewery, distillery, and restaurant industry is experiencing a huge surge in popularity that requires you to take a serious look at your current business insurance policies. As a result of the growing industry, NJ insurance companies are now offering policies that are customized to fit the unique needs of breweries and distilleries, such as liquor and special events liabilities. As the owner of a brewery, you have a responsibility to your staff, customers, and company to keep your business safe from potential financial losses. We can help you enjoy the peace of mind that comes from knowing that there are no gaps in the coverage.

Typically, coverage for a craft brewery, distillery, or restaurant will involve several different types of policies, such as property insurance NJ brewers use to protect their investments in buildings and equipment, along with umbrella insurance that covers unexpected expenses. Your business may also need fleet insurance if company vehicles are used to transport products or people from one place to another.

At Soden Insurance Agency, we understand how important it is to keep the costs of insurance down without compromising the financial security of your business. As part of the services we offer, you can enjoy benefits like risk assessments that help you enjoy the best rates on your business insurance policies. We also provide annual reviews to make sure that your business stays covered in the midst of tremendous growth. Whether you run a small startup or a well-established brewery, we look forward to helping you find solutions for your insurance needs.

Software and technology consulting is one of the many specialty areas that Soden Insurance Agency serves. Although your company always strives to provide optimum services to the customers and clients, issues can sometimes arise that pose a financial risk to your business, such as a lawsuit initiated by a client that suffers a loss in their profits caused by a missed deadline or mistake in the software programming.

While most businesses benefit from general liability insurance NJ companies use to manage routine situations, the software and technology industry requires additional precautions to be taken with commercial insurance coverage. Errors and Omissions coverage is a type of professional liability insurance NJ consultants use to protect their company from financial losses that arise from situations such as unauthorized access or theft of intellectual property. Your business may also need auto liability insurance if you use a vehicle for any part of your operations.

As a professional within the software and technology industry, you can also appreciate our agency’s commitment to integrating secure technology into every aspect of our business. As one of our clients, you can enjoy value-added services such as the ability to view and store your insurance documents online or get your policy questions answered fast through a video conference with one of our representatives. We also provide a detailed disaster plan so that your company can access critical information in any unforeseen type of incident. As you review your insurance options, contact one of our agents to ensure that your policy applies to the unique needs that arise for software and technology consultants.

Bonds are a very important part of your insurance program. We recognize the importance of working on your schedule, not ours, and provide you with the ability to request either 24 hours a day, 7 days a week. Your requests will be processed, and you will receive a confirmation within 24 business hours. To make certain your requests are correctly and promptly processed, there are several simple things you can do.

    1. Be sure to send us your request well in advance of your deadline.
    2. Make certain we always have either an email address or fax number for the Bond Holder.
    3. Provide all special requirements or endorsements required. If you have any question on the requirements, please email or fax us a copy of applicable contracts pertaining to the certificate requirements and we will review them for you.

Protect Your Business’s transportation with our flexible insurance options.

    • Sand & Gravel Trucks
    • Tow Trucks
    • Waste Haulers
    • Local, Intermediate and Long-Haul Trucking

At the Soden Agency, we'll help you select the insurance program that works for the industry you serve, tailored for your business.

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